<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D0" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=0" alt="懂保爷测评配图" loading="lazy" /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >Hey，大家好，我是懂保爷资深产品测评师丽丽～</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最近，咨询成人重疾险的朋友比较多，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >特别是复星联合健康的</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >很多人问我：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >“这款产品到底怎么样？”</span></span><span><br /></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >“是不是现在成人重疾险里比较值得买的一款？”</span></span><span><br /></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >“哪些保障值得加？哪些责任没必要花钱？”</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >今天就从保障责任、价格以及配置方案几个方面，把达尔文12号详细分析一下。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">一</span></span></h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号保障怎么样？</span></span></h2><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPsiciaLdZQy7ZPzllpibbjZZZxSHiaiblxujic6FEFUCLyED0VgU931L50ar7o2AoVUOJEOibOW9d9udc3DicqMKKEf986zW7uKbiaM5x8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPsiciaLdZQy7ZPzllpibbjZZZxSHiaiblxujic6FEFUCLyED0VgU931L50ar7o2AoVUOJEOibOW9d9udc3DicqMKKEf986zW7uKbiaM5x8/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1）基础责任</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号是一款成人重疾险，基础责任包含：</span></span></p><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">120种</span><span text >重大疾病，赔付1次，赔</span><span text style="color: rgb(235, 201, 0)">100%</span><span text >保额；</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">30种</span><span text >中症，最多赔3次，每次赔</span><span text style="color: rgb(235, 201, 0)">60%</span><span text >保额；</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">45种</span><span text >轻症，最多赔4次，每次赔</span><span text style="color: rgb(235, 201, 0)">30%</span><span text >保额。</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >整体来看，基础保障很完整，轻中重疾都覆盖，属于目前市场上的主流水平。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >另外，值得提的一点是，市场上很多重疾险在第一次赔付重大疾病后，合同基本就结束了，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >但达尔文12号的</span><span text >重疾赔付后，轻症、中症保障依然有效，</span></span><span style="color:rgba(0, 0, 0, 0.9)"><span text >没有间隔期限制</span><span text >，</span><span text >而且</span><span text >轻症、中症不分组</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >简单理解就是，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >就算得过一次重疾，后续再得轻中症，</span><span text >依旧可以正常拿钱理赔</span><span text >。而且各类轻症、中症之间</span><span text >互不影响</span><span text >，某一项轻中症赔付过后，其他的轻中症依旧有机会赔付。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这个设计，还是非常友好的。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >2）自带保障</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >除了基础疾病保障，达尔文12号还自带几个特色责任：</span></span></p><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1、意外导致重疾，额外赔35%</span></span></h3><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果因为意外导致重大疾病，可以额外赔付35%保额。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >比如说，你买了</span><span text >50万的保额</span><span text >，因为意外得了重疾，能额外赔17.5万，总共赔</span><span text style="color: rgb(235, 201, 0)">67.5万</span><span text >。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color:rgba(0, 0, 0, 0.9)"><span text >这个责任我觉得非常实用，像我们平时</span><span text >开车通勤、经常外出</span><span text >，万一意外直接造成重大疾病，可以多拿到一笔钱，用来应对后续的康复和家庭的开支。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >当然，它只针对</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >意</span><span text >外直接导致的重疾</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，跟普通意外险保障不一样，不能替代意外险，建议大家还是要单独配置意外险的。</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2、60岁后住院津贴</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >如果</span><span text >60岁前没有发生重大疾病理赔</span><span text >，60岁以后住院，就可以领</span><span text >住院津贴</span><span text >，每天按照基本保额的</span><span text >0.1%来赔付</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >还是拿50万保额举例，一天就能领</span><span text style="color: rgb(235, 201, 0)">500块</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >这笔钱没有限定用途，</span><span text >护理费、营养费，日常开销</span><span text >都可以拿来补贴。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >现在重疾风险很大一部分确实集中在60岁以后，这个保障还是比较贴近老年阶段实际需求的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >3、被保人豁免</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这个很多产品都有，但依然很重要。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >解释一下：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >简单来说，如果缴费期间，被保人确诊</span><span text >轻症、中症或者重疾，后续没有交完的保费可以不用再交，但保障继续有效</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >总之，直观感受就是，</span></span><span><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >达尔文12号的自带保障并不是单纯堆砌责任，而是围绕成年人比较关心的几个风险场景做了补充，实用性还是比较不错的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >再来看价格，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >以50万保额、保终身、30年缴费为例，30岁男性一年保费是</span><span text style="color: rgb(235, 201, 0)">6710元</span><span text >，30岁女性一年保费是</span><span text style="color: rgb(235, 201, 0)">6290元</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这个价格放在目前热门的成人重疾险产品里，挺便宜的。</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMlvLSTo56f1mT669dyQS85qVxQ21KqjyryRAwFNAvORsFWIWI8QXXsTLxHQw1sG1jX7B5nYAp90EsQp0NHCqmv0gzc04icGc7g%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMlvLSTo56f1mT669dyQS85qVxQ21KqjyryRAwFNAvORsFWIWI8QXXsTLxHQw1sG1jX7B5nYAp90EsQp0NHCqmv0gzc04icGc7g/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >基础保障完整，自带保障也很实用，同时价格控制得也不错，性价比很高，我觉得是值得买的~</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >3）可选保障</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span text >可选保障是需要额外</span><span text >加费</span><span text >的，</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >其实达尔文12号的基础保障已经比较完整了，大部分客户，预算没那么多，把</span><span text >基础保额做高</span><span text >就可以了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >但如果预算很充足，希望把</span><span text >保障做得更全面</span><span text >，那可以看一下这些可选保障。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><span text >可选保障达尔文12号提供了8种，可以灵活选择，</span></span><span><span text >具体保障内容和叠加后的价格，我也整理好了：</span></span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOYnVvGoaLbGT9NOUu5ZDOF1wnaMwttbqzQJYVefI2mWKKkrkqTZmdMRbuAYbTYcvaB7VAjltU8hM5ats81qeWziayicnS1zibicfU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOYnVvGoaLbGT9NOUu5ZDOF1wnaMwttbqzQJYVefI2mWKKkrkqTZmdMRbuAYbTYcvaB7VAjltU8hM5ats81qeWziayicnS1zibicfU/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这里面，我重点说几个我认为比较实用、可以重点考虑的责任：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >① 癌症津贴</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >癌症一直是重疾险理赔中</span><span text >最高发的一类疾病</span><span text >，而且癌症也很容易复发和转移。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >达尔文12号的癌症津贴，可以针对癌症进行多次赔付：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >首次</span><span text >不是癌症</span><span text >，后续确诊癌症，间隔</span><span text >180天</span><span text >即可赔付；如果</span><span text >首次就是癌症</span><span text >，后续再次发生相关情况，间隔</span><span text >1年</span><span text >可以继续赔付，最高累计可以</span><span text >赔付120%保额</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >以</span><span text >50万保额</span><span text >为例，最多可以</span><span text >额外赔60万元</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这项责任30岁男性加费</span><span text style="color: rgb(235, 201, 0)">1165元/年</span><span text >，女性加费</span><span text style="color: rgb(235, 201, 0)">1240元/年</span><span text >，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >对于担心癌症风险，或者有癌症家族史的人来说，性价比还是比较高的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >② 疾病关爱金</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这项责任主要解决一个问题：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >年轻阶段如果发生重疾，赔的钱够不够？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >达尔文12号60岁前首次确诊重疾、中症、轻症，分别可以额外赔付</span><span text >80%、50%、10%</span><span text >保额。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >比如购买50万保额，60岁前发生重疾，</span><span text >基础赔50万，额外再赔40万，合计就可以拿到90万</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >所以这个责任我觉得很适合</span><span text >预算有限的朋友用来抬高保额</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >③顶梁柱关爱金</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这个责任我觉得比较有特色。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果确诊恶性肿瘤，同时满足：子女</span><span text >未满18岁</span><span text >，父母</span><span text >已经满60岁</span><span text >，可以</span><span text >额外赔付30%保额</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >50万保额，额外</span><span text >多赔15万</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >而且它价格不贵，30岁男性一年多花85元，女性多花90元，真不算啥。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >所以还是很建议</span></span><span><span text >上有老下有小的</span></span><span><span text >家庭经济支柱加上的，比较实用。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >另外，剩下几个附加保障，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >我认为性价比相对一般，不建议大家盲目增加。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果预算比较充足，与其堆叠过多附加责任，不如</span><span text >优先把基础保额做高</span><span text >，保障效果会更直接~</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">二</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号，应该怎么配置？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >大部分客户，我觉得</span><span text >不用看附加责任</span><span text >，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >基础的保障完全够用，把保额拉满，</span><span text style="color: rgb(235, 201, 0)">买到50万</span><span text >就可以了。</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOeZyWhYvy7cNhQl3cwCJfkuic1VmyictMWy7hwRick39X99VmnKXdDbRPcTQO41v9CpewJ0gjxDVMVTKFnQTYB41OfHsWfCpvicr8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOeZyWhYvy7cNhQl3cwCJfkuic1VmyictMWy7hwRick39X99VmnKXdDbRPcTQO41v9CpewJ0gjxDVMVTKFnQTYB41OfHsWfCpvicr8/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这个方案保障简单直接，适合大多数想要</span><span text >高性价比配置重疾险</span><span text >的人。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果</span><span text >预算相对比较充足</span><span text >，想把</span><span text >保障做得更全面</span><span text >，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >可以考虑在基础保障上增加：</span><span text >癌症津贴</span><span text >。</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOgBY1JTXnsbbrcEccHQI1iczjzBVEHf0v0CQIMvBcicCnDhXkQIWNibxvrxqUyrSIXXyKT9T4FD3kXC5PX4awTlwafAic0ibicyromA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOgBY1JTXnsbbrcEccHQI1iczjzBVEHf0v0CQIMvBcicCnDhXkQIWNibxvrxqUyrSIXXyKT9T4FD3kXC5PX4awTlwafAic0ibicyromA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >毕竟我前面也说了，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >癌症不仅</span><span text >发生概率高</span><span text >，而且</span><span text >后续复发、转移、持续治疗的风险也比较明显</span><span text >，一年增加一千多元，可以把癌症风险进一步覆盖，我觉是很有用的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >那要是</span><span text >预算很紧张</span><span text >，5、6千也觉得贵了，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >又想要差不多的保额，怎么办呢？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >其实也有办法，把</span><span text >保额买低一点</span><span text >，</span><span text style="color: rgb(235, 201, 0)">25万</span><span text >，再附加一个</span><span text >疾病关爱金</span><span text >和</span><span text >顶梁柱关爱金</span><span text >：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNDEBDLNpmKzm6ZNW48IjMAxfU0d1refhjE7rpwCor9WxtibrgVbpSWnLjEAgbBeSWbsMOjwicqOHal6avomoW0CNZH5Gk74QShM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNDEBDLNpmKzm6ZNW48IjMAxfU0d1refhjE7rpwCor9WxtibrgVbpSWnLjEAgbBeSWbsMOjwicqOHal6avomoW0CNZH5Gk74QShM/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >虽然基础保额只有25万，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >但60岁前首次确诊重症、轻症，都可以额外赔，特别是重疾，拉到了</span><span text >45万</span><span text >；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果</span><span text >确诊的是癌症，并且符合家庭责任条件</span><span text >，还能额外再赔7.5万，加起来就是</span><span text >52.5万了</span><span text >，也完全够用了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这样就可以用较低的保费，把家庭责任最重阶段的保障额度提高</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >30岁男性一年约</span><span text style="color: rgb(235, 201, 0)">4207元</span><span text >，女性是</span><span text style="color: rgb(235, 201, 0)">3980元</span><span text >，便宜很多。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">三</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >总结一下</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >总的来说，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >达尔文12号这款产品，我觉得最大的特点就是：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >基础保障够扎实，特色责任也比较实用，价格还控制得不错。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果你追求高性价比，基础方案直接把50万保额买足就可以；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >预算紧张，也可以通过附加责任，把有限的钱花在更需要的地方。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >当然，每个人的年龄、预算、家庭责任不同，适合的配置方案也不一样~</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果你不知道自己应该买多少保额、哪些责任值得加，可以找我免费咨询，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >我可以根据你的实际情况，帮你做一份重疾险配置方案。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >有空的话，前面几篇重要文章可能也值得一看：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504348&idx=1&sn=40a59d40cc8c09d6c4a28644d3d25103&scene=21#wechat_redirect" textvalue="固收天花板！增多多9号特疾险，存钱还带24种特疾赔付" linktype="text">固收天花板！增多多9号特疾险，存钱还带24种特疾赔付</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504325&idx=1&sn=256ecc3d8442e1a306f6efb37bd790b3&scene=21#wechat_redirect" textvalue="一年大几千的中高端医疗险，有必要吗？" linktype="text">一年大几千的中高端医疗险，有必要吗？</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504290&idx=1&sn=5497c3a8ee4b0dc5ed7b9dcc18fadeb4&scene=21#wechat_redirect" textvalue="长期收益突破3%，中英人寿的福满佳C款（卓越版）能不能买？" linktype="text">长期收益突破3%，中英人寿的福满佳C款（卓越版）能不能买？</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504043&idx=1&sn=140a1f1d12a619d2d0e36d819c014f63&scene=21#wechat_redirect" textvalue="查出乳腺结节，百万医疗险还能买吗？说点实话" linktype="text">查出乳腺结节，百万医疗险还能买吗？说点实话</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></span></section><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D3" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=3" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span text >点击“阅读原文”进入「保险商城」</span></span></section><p ></mp-style-type></p>
